American Interstate Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.91 percentage points in Q2 2026, from 65.92% to 69.83%. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, American Interstate Bank sits 2nd from the top on return on assets, 3.76% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, American Interstate Bank reported 3.76% on return on assets in Q2 2026, 2.52 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 20.06% |
| Equity capital to assets | 20.11% |
| Tangible equity to tangible assets | 20.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.76% |
| Return on equity | 19.21% |
| Net interest margin | 5.40% |
| Efficiency ratio | 30.64% |
| Yield on earning assets | 5.86% |
| Cost of funds | 0.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.83% |
| Core deposits to total deposits | 95.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.73% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.15% | 3.78% | 5.57% | 0.00% | 0.00% |
| Q4 2023 | 23.94% | 4.68% | 6.46% | 0.00% | 0.00% |
| Q1 2024 | 22.60% | 4.55% | 6.31% | 0.00% | 0.00% |
| Q2 2024 | 18.67% | 4.38% | 6.14% | 0.00% | 0.00% |
| Q3 2024 | 18.87% | 4.29% | 5.90% | 0.00% | 0.00% |
| Q4 2024 | 18.21% | 4.11% | 6.02% | 0.00% | 0.00% |
| Q1 2025 | 18.95% | 4.03% | 5.64% | 0.00% | 0.00% |
| Q2 2025 | 19.96% | 4.39% | 5.92% | 0.53% | 0.00% |
| Q3 2025 | 20.82% | 4.19% | 5.81% | 0.00% | 0.00% |
| Q4 2025 | 18.66% | 4.64% | 5.61% | 0.00% | 0.00% |
| Q1 2026 | 19.52% | 3.47% | 5.11% | 0.00% | 0.00% |
| Q2 2026 | 20.06% | 3.76% | 5.40% | 0.00% | 0.00% |
American Interstate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Interstate Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1439) · FFIEC NIC profile (RSSD 547251)